Will auto insurance cover relatives with international drivers permits?

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Here's what you need to know...

  • You will need to be sure that they are in fact covered by your auto insurance before they take the vehicle out for a spin
  • The easiest way to get car insurance coverage for your relatives with international driver’s permits is to call your present insurance company and ask to have them added temporarily
  • Shop around for a better overall car insurance quote elsewhere

When relatives come to visit toting their international driver’s permits, the question always arises as to whether or not you can insure them on your vehicle, so that they can drive it without worry.

You can indeed lend them your vehicle to use.

However, you will need to be sure that they are in fact covered by your auto insurance before they take the vehicle out for a spin.

Not doing so may leave you holding the bag for a lot of money if an accident occurs.

Read on to learn some of the details for auto insurance coverage, international drivers permits car insurance and more!

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The Easy Route for Auto Coverage

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The easiest way to get car insurance coverage for your relatives with international driver’s permits is to call your present insurance company and ask to have them added temporarily.

Get a price quote though, because typically insurance companies will not extend coverage without a fee to those who are not familiar with driving on American roads. Some companies charge a small fee, while others try to charge a very large fee.

If this is the case for you, it may be necessary to shop around for a new policy, or simply refuse to insure your visiting relatives.

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When Not to Let Your Relatives Borrow Your Car

There are several situations in which it is best to simply not let your relatives with international driver’s licenses use your car and be listed on your insurance.

If you are categorized as a high-risk driver yourself, you will find that adding another person to your coverage is extraordinarily expensive. Some high-risk insurers may even refuse to allow you to add another person on your plan.

It is important to find out the details of your relatives’ driving records. His or her driving record should be clear. If you have concerns about prior accidents or traffic infractions, you should opt to not let your relatives use your car.

If you find that the cost associated with adding a relative to your coverage is prohibitively expensive, mention the idea of renting a vehicle to your relative. This will often turn out to be the most affordable option available for all involved.

Shopping for the Best Price

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You may find that your existing insurer is quoting you some very high fees for temporarily adding your relative to your policy. If this is the case, it may be a good time to shop around for a better overall car insurance quote elsewhere.

This is especially true if you have not comparison shopped in several years. The high cost of adding relatives from overseas may simply be an indicator that your company’s rates are much higher than everyone else’s and it is time for you to change companies.

In order to shop around quickly and easily, an online quote tool is the perfect place to start. By simply answering the standard set of questions once, you can get price quotes from a variety of different insurers serving the area of the country where you live.

Once you have the quotes, you will need to compare them on more than just price alone. Look at the types of coverage being quoted, the limits and the deductibles. If one company offers a very different price than everyone else, be skeptical and check around to find out why.

When things seem too good to be true, they often are. As you compare quotes, be sure that you are comparing apples with apples in order to make the best decision.

When you have narrowed down your choices to just a few, you should look into the details of each company a little more closely.

Get their insurance rating from one of the independent insurance rating groups like A.M. Best or Moody’s.

These firms can tell you if the insurer you are thinking of getting a policy with is financially stable.

Gravitate towards companies that have grades of B or better. In addition, you will also want to check into the frequency and seriousness of complaints about the company.

Your state’s department of insurance can likely give you such information. You can also find complaint information by putting the name of the company and the word complaints in an online search engine.

Before you invest in a new policy that will allow you to cost-effectively insure your visiting relatives, be sure that you have thoroughly investigated your options and are choosing one that works for you all year long, not just while you have visitors.

To find the best policy for you, start by putting your zip code into our online auto insurance quote tool now!

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